Home Equity Reviews


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5 Contributions
15 People Helped
Helpful to 6 out of 10 people

I've had a HELOC with them since 2009 and the rate has been the same 3.49%. Annual fee is $50.  I set up automatic payment and don't need to deal wsith my monthly payment except get monthly email from them my account is paid. I am very satified with them.

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diboch's review was:    

 
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3 Contributions
9 People Helped
Helpful to 8 out of 23 people

Hello There

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FloridaBoy37's review was:    

 
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Helpful to 5 out of 5 people

I thought this process was going to be fast and easy. At the start oh yeah we will get this done for you. After countless follow ups only by me, faxing tons of paperwork what should have been a no problem home equity loan turned out to be a huge waste of time. Nobody wins. These guys process stinks I'm sorry to say. 

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26 People Helped
Helpful to 26 out of 26 people

The worst loan ever!!!!!!!!  They ripped me off just like the banks ripped off home owners.  From the start they deducted money from checking account automatic and said we were late taking $400 a month payments with $5 going towards the principle for 8 years.  Someone from that compay should be going to jail.

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Reg64's review was:    

 
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8 People Helped
Helpful to 8 out of 8 people

applications are requested over and over, no matter how many times you send information they do not have it, even sent by mail and they have to sign for it.  only excuses no results.

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Purplelady65's review was:    

 
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Helpful to 2 out of 2 people

Excellent credit score, 10+ years with them.  Time to refinance balloon home equity loan and they want more information about me than I even know about myself.  Absolutely ricidulous and time wasting.  Moving on.  AVOID!

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Helpful to 14 out of 15 people

We opened a heloc with fifth third bank and ever since doing so it has been a total nightmare. Our interest rate fluctuates month to month which makes absolutely no sense being that it has a fixed rate of 5.75%.  We have called over 20 times trying to resolve this situation with no recourse.  Our monthly payment amount is interest only for $65. We typically pay $80 a month to knock down the principal each month. At other times we have made larger principal payments as well. Somehow they operate without any banking regulations and our extra principal we have applied mysteriously changes amounts month to month. It is literally so bizarre it is hard to argue because we don't even know what formula they have concocted to come up with the figures that they do. Their customer service is atrocious and they have no clue how to retain customers. We decided to refinance ours with a different bank after removing our checking and savings accounts to a credit union. I strongly recommend avoiding this bank like the plague....

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Helpful to 98 out of 114 people

Loan discharged in bankruptcy, but they continue to call and send me statements. Never answer their phones. I faxed over bankruptcy documents again, but they still continue to pester me.

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54 People Helped
Helpful to 54 out of 56 people

My loan was sold to HSBC with a cut throat rate. Had three hardship programs with HSBC. On my third hardship program, in my 5th month out of six. HSBC started returning my payments and said I was delinquet on my payments! I was in compliant with my hardship contract. HSBC breached our contract and I don't have a leg to step on! HSBC foreclosed on my home three different times. The first two foreclosures were dismissed for no none reason. On the second foreclosure, HSBC attorney didn't show up for the motion hearing. On the third foreclosure. There was two motion hearings. Each motion hearing was 60 day's each because HSBC's attorney's couldn't get it together. I have to be out sometime in March, 2014. If there's something called Goverment buy back, then why is there foreclosure's?  HSBC is the worst! HSBC is so large, that one branch doesn't know what the other is doing. Big enough so that no one has to go to prison for financing illegal arms!

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HSBCvictum's review was:    

 
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Helpful to 5 out of 6 people

This is the worst mortgage experience in our life. We had experiences with at least 5 banks in the past 20 years and BOA is definitely the worst. The whole process was as long as 3 months. They put us in dark without providing appropriate update or explanation. It was very hard to reach the agent who was in charge of our application. They kept telling us that everything was going on well and the application would be approved soon. They said they didn't see anything that would reject our application. We then started our remodeling project. Then suddenly, they turned our case to inactive and told us they could not process our case. We have good credit score, good financial status, steady income. We will never work with BOA in the future.

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